Renters Insurance Coverage
Standard Renters Insurance Policy
What does renters insurance cover?
Renters Insurance Coverage Types
Coverage for Your Things
Coverage When Accidents Happen
Coverage for Living Expenses
Renters Insurance Add-Ons
Renters Insurance Discounts
- Multi-product discount
- Loyalty discount
- Generational discount (not available in WA)
- Paperless discount
- AutoPay discount
- Customer full pay discount
How much renters insurance do you need?
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The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
* Your policy provides limited coverage when surface water comes into your home from a human-made source such as sprinkler systems, garden hoses and swimming pools. However, if the release of water from these sources doesn’t occur on your property, the resulting water damage is not covered. Your policy excludes water damage from all other sources when water comes into your home. Your policy excludes water damage due to sewer back-up, septic back-up and sump overflow unless special coverage is purchased for this type of loss. Please see your agent for details on this coverage.
** Equipment Breakdown coverage, otherwise known as Electrical Appliance coverage, only provides coverage for equipment that needs repairs or replacement due to sudden damage caused by a mechanical, electrical or pressure system breakdown. This coverage will pay for costs to repair or replace up to $100,000 once a $500 deductible has been met. Refer to the policy document for a detailed list of covered items.
*** Coverage provided by adding the Flash Flooding endorsement is optional.This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP). Some coverages or limits may not be available in your state. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Please speak with your agent to learn more about your coverage options.
† Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Companyd/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval,and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2021 American Modern Insurance Group, Inc.
‡ Travel Insurance is offered by International Medical Group and underwritten by Sirius Point; or offered and underwritten by Travel Guard Group, Inc. and not American Family Mutual Insurance Company, S.I. nor its subsidiaries or affiliates. Please talk with your agent about the options available.
This article is for informational purposes only and includes information widely available through different sources. Some coverages may not be available in your state. Available at mid-term renewal for some existing policyholders. Please speak with your agent to learn more about your coverage options